Fixed Indexed Annuity. Each year credits the S&P 500 price return, limited by the cap you enter below and a 0% floor. Set a cap to see how the strategy would have performed across two market decades, next to the bond market year by year.
10%
S&P 500 Cap
0%
Annual Floor
Zero Annual Fees
%
Credited rate each year is the lesser of the S&P 500 price return and your cap, never below 0%.
$
%
Standard is 0%.
Strong Market Decade
2016 to 2025. A favorable stretch for the S&P 500.
7.88%
annualized credited rate
Challenging Market Decade
2007 to 2016, including the 2008 downturn.
6.21%
annualized credited rate
With no annual fees, a 0% crediting year (shaded) holds the account value perfectly flat. Nothing is deducted, and the floor turned every market downturn, including 2008, into a year of zero loss.